The following is a list of fees and charges that, subject to applicable laws or the
documents evidencing your loan, may be imposed in connection with the servicing of
your loan. Please note that the fees listed below are subject to change.

Fee Type

Amount

Description

Late Charge Fee

Refer to loan documents

Penalty the homeowner pays when a mortgage payment is made after the due date grace period. %/Amount stated in Note and/or Security Agreement and subject to state law limits.

NSF or Dishonored Check Fee

Varies

Fee charged when a payment by check is returned as not paid by your bank because of insufficient funds in the checking account. State law may dictate fee.

Prepayment Fee

Refer to loan documents

Loan documents may require you to pay an additional fee if you pay off your loan in advance of the maturity date.

Property Inspection Fee

$20 - $35

Fee charged if the loan is in default and we can not make contact with you to determine the condition of the property, in accordance with HUD Guidelines, where applicable.

Broker Price Opinion Fee

$89.00 - $195.00

Fee charged for determining the value and condition of the property when loan payments are past due, in accordance with HUD Guidelines, where applicable.

Appraisal Fee

$195.00 - $450.00

Fee charged for appraisal used to determine the value and condition of the property. The appraiser vendor costs are passed through to you without mark-up by us - you are charged actual costs.

Recording Fee

Based on jurisdiction

Fee charged by the relevant county/town for recording the release/satisfaction.

Release Fee

Actual fees and costs, in accordance with jurisdictional requirements

Fee paid to a third party charged at payoff for preparing the release of mortgage.

Foreclosure Attorney Fees and Costs

Varies

Fees and costs associated with protection of collateral. Foreclosure attorney fees and costs will vary by filing type and are limited to the actual fees and costs, and are charged in acccordance with Fannie Mae guidelines, where applicable. State law may limit costs.

Bankruptcy Attorney Fees and Costs

Varies

Fees and costs associated with preserving obligation. Bankruptcy attorney fees and costs will vary by bankruptcy chapter type and are limited to actual fees and costs, and are charged in accordance with Fannie Mae guidelines, where applicable.

Property Preservation Costs

Varies

Fees required to preserve the property. Will vary according to each situation and required expenses, and are limited to actual fees and costs.

Verification of Mortgage

$10.00

Fee required to provide a documentation of the monthly payment history, account balance, and history of loan to a third party. State law may dictate the fee amount, and these will only be charged where permitted by state law.

The fees shown below will be imposed for services that you request.
You will be asked to agree to pay these charges at the time you
request the service.

Fee Type

Amount

Description

Check by Phone

$15.00

Fee charged for making a payment by phone. State law may dictate the fee amount, and these will only be charged where permitted by state law.

Express Mail Fee

Actual charge

Actual charge from delivery service provider (such as UPS or FedEx) for expedited delivery of documents.